Parul Kumar

parulkumar.kr@gmail.com+919611483216

Summary

  • Senior Product, Quality Engineering & Automation Leader delivering enterprise-scale Banking, Payments, Lending, KYC, and Regulatory transformation programs for global organizations including JP Morgan, Wells Fargo, Santander UK, ITC Infotech.
  • Proven expertise in Product Ownership, Quality Engineering, Test Automation, API & Integration Testing, Agile Delivery, CI/CD, and Digital Transformation. Experienced in leading cross-functional teams across India, UK, US while partnering with Business, Product, Architecture, Engineering, Operations, Risk, and Compliance teams to deliver scalable, cloud-ready solutions.
  • Strong domain expertise in Payments Modernization program, Client On boarding, Digital Lending, Rule Engines, Risk & Compliance platforms with a track record of improving delivery quality, automation adoption, operational efficiency, and customer experience.
  • Known for driving engineering excellence through automation-first delivery, stakeholder collaboration, strategic planning, and data-driven decision making in highly regulated enterprise environments.

Experience 18 yrs

J P Morgan J P Morgan, Hybrid
Vice PresidentMar 2021 - Present (5 yrs 8 mos)
  • JP Morgan | Bangalore | Feb 2023 – Present
  • Project: Graphite Payments Modernization
  • ROLES & RESPONSIBILITIES
  • Lead Payments Modernization automation program, SWIFT MT/MX, JSON and API-driven payment platforms.
  • Partner with Product Owners, Business, Architecture, Engineering, Operations and QA teams to define business requirements, prioritize features and deliver scalable payment solutions.
  • Drive Agile delivery by authoring user stories, acceptance criteria, process flows and supporting sprint planning, backlog refinement and release planning.
  • Lead automation-first quality engineering initiatives covering API, integration, message transformation and regression testing to improve release quality and reduce manual effort.
  • Review solution architecture, message mappings, transformation logic and data validation rules ensuring regulatory compliance and high-quality software delivery.
  • Coordinate UAT, production readiness, risk management, dependency tracking and stakeholder communication across globally distributed teams.
  • Drive continuous improvement initiatives through defect prevention, root cause analysis, engineering retrospectives and quality metrics reporting.
  • JP MORGAN | Bangalore | Mar 2021 – Jan 2023
  • Project: KYC & Client On boarding
  • ROLES & RESPONSIBILITIES
  • Directed with Product, Compliance, Operations and Engineering teams to deliver enterprise KYC and Client On boarding solutions supporting global regulatory requirements.
  • Developed business rules, user stories, acceptance criteria and workflow validations for Client On boarding, Customer Due Diligence and Rules Engine applications.
  • Governed backlog prioritization, sprint planning, dependency management and release readiness across multiple Agile teams.
  • Led automation strategy for API, integration and regression testing, improving release quality and reducing manual validation effort.
  • Enabled with architects and developers to validate micro services, API contracts and distributed workflows supportin
WELLS FARGO, Hybrid- Bangalore
Senior AnalystOct 2013 - Oct 2020 (7 yrs 1 mo)
  • Project: Institutional Lending Online
  • ROLES & RESPONSIBILITIES
  • Led Quality Engineering initiatives for Institutional Lending platform supporting end-to-end loan origination, credit assessment and approval workflows.
  • Drove with Business, Credit, Risk, Compliance, Operations and Engineering teams to define product requirements and quality strategy.
  • Authored user stories, acceptance criteria, process flows and functional specifications supporting Agile delivery.
  • Established automation strategy covering API, integration, UI and database validation, increasing automation coverage and improving release confidence.
  • Performed SQL-based data validation, business rule verification and workflow testing for complex lending applications.
  • Facilitated sprint planning, backlog refinement, defect triage and stakeholder reviews ensuring timely delivery of business priorities.
  • Led with architects and development teams on solution design, integration testing and production readiness for enterprise lending systems.
  • Project: Loan Decisions System
  • ROLES & RESPONSIBILITIES
  • Executed quality engineering for enterprise Loan Decisions platform by validating business rules, approval workflows and servicing decisions.
  • Partnered with Business Analysts, Product Owners and Development teams to define functional requirements and acceptance criteria.
  • Architected end-to-end test scenarios covering rule-based decisioning, maker-checker workflows and regulatory compliance.
  • Performed functional, regression and data validation testing while supporting Agile ceremonies, defect management and release readiness.
  • Contributed to process improvements through automation opportunities, requirement reviews and quality governance.
ITC Infotech, Bangalore
IT ConsultantJul 2008 - Sept 2013 (5 yrs 3 mos)
  • Project: ISBAN – Santander UK Credit Card Origination System
  • ROLES & RESPONSIBILITIES
  • Delivered quality engineering for Credit Card Origination platform supporting customer onboarding, KYC, underwriting and automated decisioning.
  • Spearheaded closely with Business, Risk, Compliance and Engineering teams to define functional requirements and acceptance criteria.
  • Validated business rules, credit scoring, eligibility logic, maker-checker workflows and approval processes.
  • Performed API, integration, database and end-to-end testing ensuring regulatory compliance and application stability.
  • Implemented Agile delivery, defect management, release validation and production readiness across multiple releases.
  • Project: Web-MTrack| Client: Walmart
  • ROLES & RESPONSIBILITIES
  • Delivered development and quality engineering of Walmart's customer membership platform covering enrollment, payments and customer benefits.
  • Created end-to-end test scenarios for customer onboarding, payment processing, identity validation and membership management.
  • Performed API, integration, database and security validation ensuring PCI-DSS and data privacy compliance.
  • Coordinated with Product, Development and QA teams to support Agile delivery, automation planning and release readiness.
  • Contributed to reusable automation assets, defect prevention and continuous quality improvements.

Education

Symbiosis International University, M.Sc., Computer Science
2006 - 2008

Pune

BTi Mesra, BCA, Computer Science
2003 - 2006

Ranchi

Skills

CORE COMPETENCIES, Product Ownership & Product Strategy, Quality Engineering & Test Automation, Agile Delivery (Scrum / Kanban), API, Integration & UI Testing, Software Engineering Lifecycle (SDLC), Test Strategy & Quality Governance, Payments Modernization program, Lending, KYC & Regulatory Platforms, Rule Engine Validation, CI/CD & DevOps Collaboration, SQL, Data Validation & ETL Testing, Stakeholder & Executive Management, Cross-functional Leadership, Risk, Compliance & Operational Excellence, TECHNICAL SKILLS, Languages : Python, Java, SQL, Automation : Selenium, REST Assured, Postman, API : REST APIs, JSON, XML, Swagger, Database : Oracle, SQL Server, DevOps : Git, Jenkins, CI/CD, Cloud : AWS Cloud Fundamentals, Tools : Jira, Confluence, Payments : ISO 20022, SWIFT MT/MX, Security : OWASP, NIST, IAM, RBAC, AI / ML : Machine Learning, AI-assisted Test Automation

Certifications

  • AWS Cloud Practioner, 2023
  • Certified Scrum Master (CSM)
  • Indian Institute of Banking & Finance
  • ITIL Foundation V3
  • Oracle Certified Java Programmer
  • Machine Learning Program, Indian Institute of Science

Languages

  • English, Fluent
  • Hindi, Fluent